Auto Loan Rates in Enid, Oklahoma (OK) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Enid, Oklahoma. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Enid, Oklahoma include Tinker Federal Credit UnionTinker Federal Credit Union801 S Oakwood Rd, Enid, OK, 73703A+5.0 ★Texas Ratio: 2.99% offering Repo Vehicle Loans at 3.99%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Credit Union One Of Oklahoma Credit UnionCredit Union One Of Oklahoma Credit UnionA+5.0 ★Texas Ratio: 3.70% offering Auto Loans 2023 - Newer at 3.24%, USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 0.89% offering New & Used Autos at 3.49%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%. Auto loan rates as of April 22, 2026 according to verified data from MonitorBankRates.
Enid has 1 local institution in our database, with auto loan rates as low as 3.99% APR from Tinker Federal Credit Union at 801 S Oakwood Rd, Enid, OK, 73703. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Enid, Oklahoma. Auto Loan Rates Last Updated and Verified: April 22, 2026
Compare Auto Loan Rates Today in Enid, Oklahoma & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
801 S Oakwood Rd, Enid, OK, 73703
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedApr 22, 2026
Details
Annual Percentage Rate (APR)
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
801 S Oakwood Rd, Enid, OK, 73703
Auto Loans
5.49%
66 Months Fixed Rate
▼
APR5.49%
Term66 Months Fixed Rate
Last UpdatedApr 22, 2026
Details
Annual Percentage Rate (APR)
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
▼
APR3.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
APR4.25%
Term36 months
Last UpdatedApr 18, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
APR4.75%
Term48 months
Last UpdatedApr 18, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR4.99%
Term49-60
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR5.25%
Term60 months +
Last UpdatedApr 18, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2022 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2023 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2024 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - New
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedApr 18, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedApr 17, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2020 - 2022
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2021 Auto Loan
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.03%
Auto Loan
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
APR5.99%
Term61-72
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR5.99%
Term0-72
Last UpdatedApr 19, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedApr 19, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedApr 18, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedApr 17, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.24%
36 Months
▼
APR6.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedApr 17, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - New
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 1% added to rate if over 50,000 miles
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - Used
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 1% added to rate if over 50,000 miles
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% NADA retail value, plus tag, title, and tax
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.49%
0-60
▼
APR6.49%
Term0-60
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2023 - 2025
6.49%
0 to 60
▼
APR6.49%
Term0 to 60
Last UpdatedApr 18, 2026
Details
As Low As; months
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2020 or Older Auto Loan
6.55%
36 Months
▼
APR6.55%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedApr 18, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.74%
73-84
▼
APR6.74%
Term73-84
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2020 - 2022
6.74%
0 to 60
▼
APR6.74%
Term0 to 60
Last UpdatedApr 18, 2026
Details
As Low As; months
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2023 - 2025
6.74%
73 to 84
▼
APR6.74%
Term73 to 84
Last UpdatedApr 18, 2026
Details
As Low As; months
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedApr 17, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
6.99%
73-84
▼
APR6.99%
Term73-84
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2018 - 2019
6.99%
0 to 60
▼
APR6.99%
Term0 to 60
Last UpdatedApr 18, 2026
Details
As Low As; months
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2020 - 2022
6.99%
73 to 84
▼
APR6.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
As Low As; months
APR6.99%
Term73-84
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR6.99%
Term0-60
Last UpdatedApr 19, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
7.24%
61-72
▼
APR7.24%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2018 - 2019
7.24%
61 to 72
▼
APR7.24%
Term61 to 72
Last UpdatedApr 18, 2026
Details
As Low As; months
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2016 - 2019
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
▼
APR7.39%
Term30 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
▼
APR7.69%
Term36 Months
Last UpdatedApr 18, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans
7.74%
0-48
▼
APR7.74%
Term0-48
Last UpdatedApr 18, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.63%
Auto Loans 2017 & older
7.74%
0 to 48
▼
APR7.74%
Term0 to 48
Last UpdatedApr 18, 2026
Details
As Low As; months
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loans
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Vehicle Loan
7.95%
84 Months
▼
APR7.95%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2015-Older
8.99%
48 months
▼
APR8.99%
Term48 months
Last UpdatedApr 17, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
3.74%
48 Months
▼
APR3.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loans 2023 - Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR4.99%
Term49-60
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 49-60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - New
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Vehicle (Current & Previous Year)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% Purchase price or NADA retail value, plus tag, title, and tax
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedApr 18, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
APR5.99%
Term61-72
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 61-72 months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - New
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 1% added to rate if over 50,000 miles
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR6.99%
Term73-84
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 73-84 months
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New & Used Autos
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
4.85%
84 Months
▼
APR4.85%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022 or Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2024 - 2026)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
5.89%
60 Months
▼
APR5.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
APR5.99%
Term0-72
Last UpdatedApr 19, 2026
Details
model years 2023-2027
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2023-2027
5.99%
0-72 months
▼
APR5.99%
Term0-72 months
Last UpdatedApr 19, 2026
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Autos - Used
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 1% added to rate if over 50,000 miles
Bison Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Vehicle (2 to 7 Years Old)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% NADA retail value, plus tag, title, and tax
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2017-2021
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2021 - 2023)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR6.99%
Term0-60
Last UpdatedApr 19, 2026
Details
model years 2019-2022
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used vehicles: model years 2019-2022
6.99%
0-60 months
▼
APR6.99%
Term0-60 months
Last UpdatedApr 19, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.04%
36 Months
▼
APR7.04%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2010 - 2016, by approval)
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2019 - 2020)
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.29%
48 Months
▼
APR7.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.39%
30 Months
▼
APR7.39%
Term30 Months
Last UpdatedApr 18, 2026
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New & Used Autos (2017 - 2018)
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New or Used Vehicle
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2012-2012
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Vehicles
7.69%
36 Months
▼
APR7.69%
Term36 Months
Last UpdatedApr 18, 2026
Details
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MonitorBankRates
Enid, OK Auto Loan Rate Trends
Compare local Enid, OK auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — OK Avg
5.024%
▼ 0.291 vs 7 days ago
Oklahoma new auto rates fell 0.291 points over the past 7 days to 5.024% APR.
Used Auto Loan — OK Avg
6.017%
▲ 0.219 vs 7 days ago
Oklahoma used auto rates rose 0.219 points over the past 7 days to 6.017% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Enid, Oklahoma
How does my credit score affect my car loan rate in Oklahoma?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Enid, Oklahoma with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Oklahoma *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Enid, Oklahoma typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Enid, Oklahoma?
Based on our current data, some of the lowest auto loan rates available in Enid, Oklahoma include:
- Tinker Federal Credit Union: 3.99% (Repo Vehicle Loans)
- TEXOMA EDUCATORS: 2.99% (New vehicles)
- Credit Union One Of Oklahoma Credit Union: 3.24% (Auto Loans 2023 - Newer)
- USE Federal Credit Union: 3.49% (New & Used Autos)
- American Airlines Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Enid, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 22, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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